FINANCE OPTIONS

MCA Loans for Bars: Everything You Need to Know

Merchant Cash Advances (MCA) are a financing solution where bars receive a lump sum payment for a percentage of future sales, typically card transactions. This is particularly beneficial given their daily card sales. Our digital-first finance solutions can support bars in renovations, equipment upgrades, or marketing campaigns through personalised MCA loans.

Secure up to £500,000 in MCA Loans with Funding Agent.

  • Quick and easy application process
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of MCA loans for Bars?

Quick access to funds is one of the primary benefits of MCA loans, particularly catering to bars with significant card sales. With no fixed monthly payment obligations and repayment aligned with your sales, these advances offer flexibility. We can facilitate borrowing amounts from £5,000 up to £500,000 with approval decisions typically within 24 to 72 hours.

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Quick funding access
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Flexible repayment options
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No collateral required

What are the different types of MCA loans for Bars?

Standard MCA

Standard MCA loans are available for UK-based bars with over 6 months of card sales history. Typical amounts range from £5,000 to £300,000, repaid over 3 to 18 months.

Standard MCA

The Standard MCA offers average factor rates of 1.1 to 1.5, with decisions often made within 48 hours. Ideal for renovations or stock purchases, they suit bars and restaurants managing high card volumes. Our process prioritises speed, requiring minimal documentation focused on sales verification.

Flexible MCA

For bars with fluctuating sales, Flexible MCA provides up to £250,000, adapting terms to sales trends.

Flexible MCA

This option supports bars experiencing seasonal fluctuations, with factor rates from 1.2 to 1.6. Quick approval ensures you can manage cash flow dips or seasonal promotions. Our solutions cater to establishments like coastal pubs needing tailored funding approaches.

Secured MCA

Bars seeking larger sums can consider Secured MCA, offering £20,000 to £500,000 with flexible, extended terms.

Secured MCA

Secured MCAs provide lower rates (1.1 to 1.3) by incorporating collateral, suitable for significant capital expenditures. The decision process, while thorough, remains swift, serving larger bars and chain establishments aiming to upgrade or expand premises.

What is an MCA loan for bars?

Application Process Simplified

Our MCA application process is designed for ease and speed. Submit recent card sales history, agree on terms, and funds are typically transferred post-approval within five days. This streamlined approach ensures minimal paperwork, focusing instead on verifying sales data.

Regulatory Compliance Insights

Though not regulated by the FCA as traditional loans, MCA providers must adhere to standard business laws. Our expertise ensures compliance, providing peace of mind while navigating the borrowing landscape.

Determining Borrowing Capacity

Borrowing capacity hinges on monthly card sales, past revenue, and your credit profile. Typical factor rates range from 1.1 to 1.6, with secured options offering lower rates. These insights underpin our fair and competitive funding offers.

FAQ’S

How much can I borrow with an MCA loan for my bar?
What are the decision timescales for MCA loans?
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What are the eligibility requirements for MCA loans?

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